UpRight Law is here to help Alaska residents get out of debt.
If you need a fresh financial start in Alaska, UpRight Law is here to help. Our bankruptcy attorneys are dedicated to helping people make positive change in their financial lives, and we’ve developed a system designed to make it as easy as possible to get started.
Just request a case evaluation to connect with an experienced bankruptcy lawyer online. During this free session, we’ll help you determine whether Chapter 7 bankruptcy or Chapter 13 bankruptcy might be the best next step for you and your family.
According to Bankrate.com, average credit card debt in Alaska is more than $8,000, which is significantly higher than the national average. Bankrate estimates that this debt will, on average, take more than ten years to pay off. If the idea of struggling to make payments and watching interest mount for another decade is daunting to you, it’s time to consider your other options. Since credit card debt is unsecured, it can often be discharged in Chapter 7 bankruptcy. Those who don’t qualify for Chapter 7 may be able to restructure debt payments through a Chapter 13 repayment plan. Take the first step right now and learn how bankruptcy may be able to help you regain control of your finances.Read more →
Both the federal Fair Debt Collection Practices Act (FDCPA) and Alaska Unfair Trade Practices and Consumer Protection Act protect consumers from dishonest and abusive debt collection practices. If a debt collector is attempting to falsely pass off paperwork as legal documents, threatening criminal charges if you don’t make a payment, or otherwise threatening action that they can’t legally take or just don’t intend to take, the company is in violation of the law. You can fight back. Learn more about how state and federal consumer protection laws work for you with a free consultation.Read more →
Chapter 7 bankruptcy can offer Alaska residents a fresh financial start. While the credit industry likes to paint a negative picture of bankruptcy filers, the truth is that financial difficulties strike people from all walks of life. A college education and a strong work ethic don’t protect against unexpected job loss, medical problems, divorce, the death of a spouse or any of the many other unexpected life events that can leave a family’s budget in ruins. The U.S. Bankruptcy Code was written to allow people in difficult circumstances to build better financial lives. In a Chapter 7 case, much unsecured debt can be eliminated completely, freeing up income to start building a new foundation.Read more →
While the primary power of Chapter 7 bankruptcy is to wipe out unsecured debts, Chapter 13 bankruptcy provides a more personalized solution for those with secured debts, non-exempt property or who may not be eligible for Chapter 7. To qualify for Chapter 13 bankruptcy, a person must have regular income to commit to a repayment plan, and cannot exceed certain debt levels. The goal of a Chapter 13 plan is to allow the debtor to catch up on past due accounts over a three to five year period, taking the pressure off and lowering the cost of delinquent debt. To learn more about how Chapter 13 bankruptcy might help you get out of debt, schedule a free consultation right now.Read more →
While Alaska’s foreclosure rate is among the lowest in the nation, stability of home mortgages varies widely within the state. For example, Anchorage has the highest foreclosure rate in Alaska. Often, Chapter 13 bankruptcy can help a homeowner avoid foreclosure by spreading out past due balances across a three to five year repayment plan. If you’re facing foreclosure and unable to meet the lender’s demands, but you do have regular income to commit to a repayment plan, schedule a free consultation to learn more about how Chapter 13 bankruptcy may help you save your home.Read more →
Medical debt is a serious problem in the United States. It plays a role in nearly half of all personal bankruptcy filings, and most of the unpaid debt awaiting collection across the country is medical in nature. If you’re one of the 43 million Americans whose credit report is showing unpaid medical debt and you just can’t get ahead, personal bankruptcy may offer you the opportunity to start fresh and build a better financial future. Those who qualify for Chapter 7 bankruptcy—including most who earn below the median income for Alaska—can eliminate unsecured debt such as medical bills outright. For those who don’t qualify for Chapter 7 bankruptcy or have property to protect, Chapter 13 bankruptcy may offer an alternative solution.Read more →
If you’ve received notice that your wages are going to be garnished, educate yourself right away, before you begin losing a portion of your income to withholding. For most types of debt, your employer may be required to withhold up to 25% of your disposable income, so long as that allows you to take home at least 30 times the minimum wage. For many people, a 25% drop in income could make the difference between being able to pay basic living expenses and falling behind in critical areas like mortgage payments and utilities. But, most garnishments can be stopped. When most bankruptcy cases are filed, an automatic stay is entered immediately, prohibiting further collection action for as long as the stay is in effect. Then, addressing the underlying debt in the bankruptcy case—whether that means discharging an unsecured debt or rolling it into a Chapter 13 repayment plan—can eliminate the basis for withholding.Read more →
I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!Timothy M. Kalamazoo, MI
You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.Malina B. Portland, OR
UpRight Law helps Alaska residents, including those in Anchorage, Juneau, Wasilla, Fairbanks and beyond, get out of debt and move toward stronger financial lives. If you could use that kind of help, reach out to us today. We’ve dedicated our practice to helping people just like you, and our free online consultation system makes it easy to get started.
34 Years of Experience
Dedicated attorney handles family law, bankruptcy and criminal law in Ketchikan My name is Michael P. Heiser, Attorney at Law, and I have been practicing general law in Alaska for 2 […]Read more →